Interbank Financial Services (IFS) is Peru's leading integrated financial services group operating across banking, insurance, wealth management, and payments through four main subsidiaries serving millions of customers. The group generates revenue through net interest margins on its retail and commercial loan portfolios, insurance premiums from annuities and life products, payments processing fees, and wealth management advisory fees, supported by a stable, low-cost deposit base primarily from retail customers. IFS competes through established brands, leading market shares in key retail products such as consumer loans and payroll deduction loans, a scalable digital platform with omni-channel distribution, and operational synergies across its integrated subsidiaries, positioning it to capture growth from Peru's large underbanked and underinsured middle and affluent population segments.